HAWAII FIRST Credit Union Profile

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HAWAII FIRST

Charter #10938 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (808) 885-7349

Fax: (808) 885-2098

Founding Date: N/A

Website: http://www.hawaiifirstfcu.com

Personnel & Operations

President: Makoff, Kristina

Manager: Otake, Mary Ann

FT Employees: 25

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: M-TR 8:30am-4:00pm F 9:00am to 6:00pm Sat

Credit Union Profile Summary

HAWAII FIRST is a FCU Credit Union. With a total of 5,925 members [1], this institution manages approximately $71,033,450 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.17% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.52% [1].

Financial Snapshot

Total Assets [1]
$71,033,450

Total economic resources.

Total Loans [1]
$50,662,731

Total value of outstanding loans.

Total Deposits [1]
$61,681,172

Total funds deposited by members.

Members [1]
5,925

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.17%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.46%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.14%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.52%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -14.58%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

67-1187 Mamalahoa Hwy

Kamuela, HI, 96743
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by HAWAII FIRST (Charter #10938).

Main Office

Kamuela Branch Main Office

Type: Corporate Office

67-1187 Mamalahoa Hwy

Kamuela, HI 96743

Phone: (808) 885-7349

Services: Member Services

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Additional Branches

Hilo

Hilo Branch

Type: Branch Office

1221 Kilauea Ave

Suite 160

Hilo, HI 96720

Phone: (808) 933-7349

Services: Member Services, ATM

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